Does Your Car Color Affect Car Insurance Rate?

When consumers purchase vehicles, they choose white vehicles over any other hue. However, does this suggest that white cars are more expensive to insure in the United States? Probably not.

Often, your insurance company will have no idea what color your car is. However, other factors may have an effect on your rates.

Is the Color of Your Car a Factor in Determining Your Insurance Rates?

Usually not. When you purchase a vehicle, your insurer is unlikely to know what color vehicle you drive.

“They do not inquire. They have no idea whether it is silver, purple, or red,” says Matt Barnes, vice president of b5media & QuoteYeti, a Canadian based insurance group.

They will enquire about your vehicle’s identification number (VIN). A vehicle identification number (VIN) can reveal a wealth of information about a vehicle, including the year, make, location of manufacturing, and engine type. However, it does not indicate the color. And if your insurance company is unaware of the color of your automobile, driving a white one will normally cost you no more than driving a black or blue one.

However, there is one exception. If you have a custom paint job, whether white or another color, you will almost certainly pay a higher premium for insurance to cover the upgrade. If necessary, a normal auto insurance coverage can assist in covering repair costs, including paint. However, the coverage limits on a typical policy may be insufficient to cover a bespoke paint job.

Additional coverage for your paint job may be available through special parts and equipment add-ons, but the insurance carrier will charge an additional price.

What Factors Have an Impact on Rates?

While the color of your automobile is unlikely to affect your insurance costs, a variety of other factors will. The following are some of the elements that will affect the cost of auto insurance coverage.

Your vehicle’s make and model. Automobiles that are more expensive to maintain and are more prone to theft typically cost more to insure.


Age of the Driver. Because younger people are more likely to be involved in accidents, they often pay higher insurance rates. According to the Insurance Information Institute, teens and young adults under the age of 25 typically pay more. After the age of 25, rates normally fall. For instance, Savvy reports that the average cost of a GEICO auto insurance policy for a single female between the ages of 18 and 24 is approximately $2,970. The average cost for single females aged 25 to 39 is $2,188. Savvy enables consumers to rapidly compare vehicle insurance prices from the nation’s major insurance carriers.

How long you’ve been behind the wheel. In general, more experienced drivers are involved in fewer accidents than inexperienced drivers. As a result, if you recently obtained your driver’s license, you’re likely to pay a higher cost than someone with more driving experience.

Where you call home. Insurance companies charge more in locations where accidents occur more frequently and where auto theft is more prevalent.

The history of your driving. Rates are reduced for safer drivers. If your driving record is free of speeding tickets, accidents, or other moving infractions, you will almost certainly pay less than someone whose record contains those items.

Relationship status. Generally, married people pay less for auto insurance than single people do. However, this does not mean you should rush out and marry in order to save money on your vehicle insurance.

Types of coverage. Almost every state requires drivers to carry a certain amount of liability insurance in order to drive legally. Additionally, several states have additional insurance requirements. However, many of the coverage options are optional. Your premium will be affected by the types of coverage you select for your insurance.

The more coverage you choose, the more expensive your auto insurance rate will be.

Methods for Lowering Your Insurance Costs

If you’re looking for methods to save money on insurance, driving a blue automobile rather than a white one won’t help. However, there are ways to lower your premium.

Reduce your driving. Your prices may be partially determined by the number of miles you drive. The more you drive, statistically, the more likely you are to be involved in an accident. If you travel less miles, you may qualify for a lower rate. Certain insurers even provide special programs for low-mileage drivers.


Maintain a favorable credit rating. The Insurance Information Institute reports that drivers with lower credit-based insurance ratings are more likely to file a claim than drivers with higher credit-based insurance scores. That is why individuals with higher credit scores often qualify for cheaper interest rates.
Look for bargains. Automobile insurance companies offer a variety of discounts. Ascertain that your insurance applies all applicable discounts. If you’re unsure, inquire.


Pay for only the coverage you require. You don’t want to skimp on coverage only to be faced with unaffordable out-of-pocket payments. However, you do not want to pay for coverage that you do not require. Choose an appropriate level of coverage to ensure that you are fully protected without being overinsured.


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